2019 Jinyou Life Sum Assured Table

Xueba talks about insurance, focusing on insurance product evaluation! The latest 136 popular critical illness insurances

To you who know this when you see this.

"It's true that the Internet says that Jin You's life is not good? 》

will help you.

Then I will talk about the advantages and disadvantages of Kim You's life:

Let's take a look at the advantages first: 1) The sum insured will increase according to the annual dividends, which has a bit of a role in resisting inflation;

1) The company where Jinyou Life works is Pacific Insurance, which has strong strength, has cultivated a large number of offline people, and has many service outlets, which makes it very convenient to apply for insurance and settle claims.

Let's look at the disadvantages first: Honestly, there are quite a few disadvantages.

The dividends of Jinyou Life are uncertain, the premiums are really not cheap, and more importantly, it also has great deficiencies in terms of disease protection! There's too much content, I'm afraid you won't understand, this is a condensed version of the content, I wrote the reasons in this one I know, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

To sum up, I have never recommended participating critical illness insurance, even if it is a big brand product like Jinyou Life, buying insurance protection and financial management still have to be separated, in order to make the best use of each.

Hope, thank you!

Pacific Jinyou Life Whole Life Insurance Type A (2017 Edition) has been fully upgraded, with up to 88 types of critical illness and 20 types of mild illness health protection, taking into account death and total disability protection, and has the function of switching annuities. The unique British-style dividends allow the sum insured of value, critical illness and minor illness to increase year by year, and the increase is free of underwriting. The insurance is more innovative by adding an optional add-on "Additional Policyholder Premium Waiver Critical Illness Insurance (2017 Edition)", if the husband and wife choose to add the "Additional Policyholder Premium Waiver Critical Illness Insurance (2017 Edition)", either party has a mild illness, and the two policies can be fully refunded for premiums.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello. We'll be happy to answer for you.

Kiss you. Jinyou Life Insurance Part B 2017 locks in wealth appreciation, the effective sum insured increases year by year, and the cash value increases year by year! Funds can be flexibly allocated and can be withdrawn as needed; The cash value of the policy can be used for pension reserves, travel funds, and emergencies**.

Kiss Kiss When are you surrendering the policy during the cooling-off period?

How much can I get back if I surrender the policy now?

Hello. We'll be happy to answer for you. Kiss you.

Jinyou Life Insurance Section B 2017 locks in wealth appreciation, the effective amount of insurance increases year by year, and the value of the spring sedan car is increasing year by year! Funds can be flexibly allocated and can be withdrawn as needed; The cash value of the policy can be used for pension reserves, travel funds, and emergencies**. Kiss kiss, when are you surrendering the policy in the hesitation period?

Let's be specific.

If it is during the cooling-off period, the full amount will be refunded.

If the policy is surrendered during the premium payment period, it will generally be between 10% and 80%. Surrender at cash value.

But if you sign a contract, you have a cash value statement in the contract.

You have been paying for two years. Then two years only after this one corresponding value table. If you pay 10,000 yuan of insurance in two years, the cash value is refunded, and you are 30%. Then he will refund you 3000.

Kiss, so the main thing is to see how your contract is written.

More than 17,000.

How much can be refunded. Hello, how many years have you been in the relationship?

Have you signed the contract?

You need to know how much to refund based on the cash value on the contract.

So I'm just telling you an approximation. In the end, how much can be refunded needs to be in accordance with the terms of the same as above.

The "portions" in "Pacific Golden Life 2018 Whole Life Insurance 14 Shares" refers to the basic sum insured of this whole life insurance policy calculated in shares. In the insurance terms of this product, we can see that each provision is 10,000 yuan. Then "14 copies" means that the basic insurance amount insured is 140,000 yuan.

So how about this product? You might as well take a look at this article: Jinyou Life Whole Life Insurance Is It Worth Buying?

I'm afraid you don't know these pits!

So what should you look at for whole life insurance? Who is it suitable for? Compared with term life insurance, whole life insurance is more inclined to savings, its premiums are expensive, and the leverage is low, which is more suitable for some high-net-worth individuals for reasonable tax avoidance, or to achieve debt isolation, asset inheritance and other purposes.

Term life insurance is mentioned earlier, term life insurance is more suitable for the general public, it can alleviate the financial crisis brought to the family after the fall of the family's financial pillar, and it has cheap premiums and high leverage. Space is limited, you can read this answer from Senior Sister: What is Term Life Insurance?

Who is it suitable for? Everything you want to know is here!

Insurance is all about the occurrence of contractual matters.

Claim the corresponding insurance benefits.

If it does not happen, there is no money except for the surrender bonus, and the surrender bonus is also in the agreement, and the surrender bonus is usually only returned to the cash value, which is a great loss.

In short, look at the terms of the contract.

Xueba talks about insurance, focusing on insurance product evaluation! Too many people ask about critical illness insurance, and interested friends can check out this comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

The amount of insurance in Jinyou Life is only 10,000 life insurance, 10,000 critical illness insurance, and the amount of purchase generally depends on individual circumstances.

Jinyou Life is known as a critical illness insurance that integrates protection and makes money, and directly looks at its protection content:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", which has been complained about, how does Jinyou Life compare with the popular critical illness insurance on the market? I did a detailed analysis:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

According to the above analysis, we can know that the content that has been complained about is not all wrong, and it still has many shortcomings, such as the following shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 types of minor illnesses and pays 3 times, the compensation for minor illnesses can only pay 20% of the basic sum insured. You have to be able to reach 30% to be considered normal.

2. Lack of protection for moderate illness

Moderate illness protection is missing, and the excellent critical illness insurance on the market has already added moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

There are two types of Golden Blessing Life: annual dividend and terminal dividend.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured person cannot receive dividends directly, but accumulate them in the policy to increase the sum insured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But in reality, only one of the bonuses can be chosen.

4. Premiums are expensive

I can know from ** that a 30-year-old man who buys 500,000 insurance will pay for 20 years, and the guarantee will be lifelong, and he will pay 19,650 yuan a year, which is almost 20,000 a year! It can be said that it is very expensive.

Summary: Based on these contents, Jinyou life is the most expensive, the protection is not comprehensive enough, the cost performance is very low, the market competitiveness is poor, and the budget is sufficient, you can choose a better one, you can refer to it:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Kim Woo Life is a critical illness insurance withdrawn from Pacific Life Insurance, which is divided into two parts: the main insurance "Kim Woo Life Insurance (Participating)" and "Additional Kim Woo Life Early Payment Critical Illness Insurance". The sum insured is 10,000 yuan per share, and the dividend is an increase in dividends, which is directly increased to the sum insured, and cannot be claimed halfway, and the effective sum assured of the policy is the basic sum assured of 10,000 yuan per share plus dividends. The main insurance covers the death and total disability of the insured, and the compensation will be paid directly according to the effective sum insured, and the main insurance and additional insurance will be terminated at the same time.

If the insured is diagnosed with one or more of the 42 major illnesses for the first time, the compensation will be paid according to the effective sum insured, and the main insurance and additional insurance will be terminated at the same time. If 10 specific diseases are diagnosed first, 20% of the effective sum insured at the time of diagnosis will be paid, and the contract will continue to be valid, and the remaining 80% will be paid when the insured dies, is totally disabled, or is diagnosed with 42 serious diseases, and the contract is terminated. In addition, the contract has the function of converting annuity, according to the current provisions of the conversion annuity contract, as long as the insured is under the age of 75, you can apply for conversion, the insurance company will calculate the cash value of the policy at that time, and the dividends will also be converted into cash value, and the insured can choose to convert in full or partially, of course, if the full conversion, then the policy of Jinyou Life will be terminated. Personally, I think that this insurance is still good as a serious illness insurance, but if you want to count on him to make money and hope to get back how much income he can get back after 10 years or 20 years, it is recommended that you consider buying other insurance that focuses on investment income, such as long-term Hongfa Nian, or short-term dividend profit A.

I first posted the premium ** table, and then roughly evaluated this product, because this product is more complex, it will be difficult to explain clearly for a while, if you want to know the details, you can take a lookJin You's life is not good, it's a pit? Deceptive? Are you sure?

Let's start with the premium table. After reading it, I only have one intuitive feeling: what kind of ghost product is this? Why can such content still sell for such an expensive **? Don't believe you, look at the comparisonComparison chart of Golden Life and 135 other critical illness insurance products

In addition to being expensive, what about the coverage of this product? Let's take a look at the picture.

Pros:

1.Produced by well-known insurance companies, there are many offline outlets. It is convenient to seek after-sales service, and it is more assured when purchasing, and consumers who prefer big brands can consider buying.

2.If you are sick, you can care for the elderly. Sickness can be compensated, and if you are not sick, you can use the annuity converted from dividends and sum insured for retirement, which is equivalent to financial products.

Cons:

1.Sickness coverage is not perfect. This product only has coverage for severe and mild illnesses, and only 20% of minor illnesses can be paid, and most products on the market have already had more than 30%, which is really not good.

Critical illness and death share sum assured. This product can only pay for critical illness and death, and if you have a critical illness, you can't pay for death, and it doesn't really consider it from the perspective of consumers, which is to be denied.

The dividends of the policy are unclear. The policy dividends of this product are not very clear, and we don't know how many dividends we can have, and we can only see them when we get them, which is very unkind.

This (Golden Life) is a whole life insurance, before the end of the life to withdraw money, it will be surrendered, surrendered is the cash value of the policy, but you must know that the cash value is far less than the principal, and you can't refund much money!

Insurance, only talk about the cash value, not about the principal and dividends, insurance contract liability, he only has cash value and dividends, do not occur contract liability he only talks about cash value, and the cash value insurance contract has a cash value table, how many years is how much money, you will understand. That money is far less than the principal, whether it is withdrawing money, surrendering, and the so-called conversion pension, it is all based on the cash value table. The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium.

Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal. Remember later! The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money.

If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and treasury bonds (not a very good choice). Therefore, participating insurance is to defraud customers of their money in the name of insurance.

The insurance company holds a meeting every day (the so-called morning meeting of the insurance company) is to talk about some ways to fool people, that is, to talk about how much the dividend is more than decades, how much the dividend is more than decades, hey, as soon as you look at a lot of numbers, you will be red-eyed, simply say that the insurance is miraculous, and use the benefits to induce customers to be deceived! In fact, it is very simple to understand insurance, that is, when the insurance is out of danger (the liability listed in the contract), look at your "protection", and look at the "cash value" of your policy without risk, no matter how many years it is, it is to see the "cash value", because life insurance is a whole life insurance, and if you withdraw money at the end of your life, it will be regarded as surrender (that is, the cash value given to you), so if you understand these two numbers, you will not be fooled by selling insurance, and the dazzling numbers he said will not fool you into being deceived.